You are here:
- Home
- Business
- Corporate Law
- Collections Law
- credit card debt of an exspouse
Collections Law/credit card debt of an exspouse
Advertisement
Question
I have been divorced from my husband for 2 years and in December of 2006 I found out that my name was still on 2 of his credit cards. I asked him to remove my name since I had no access to the cards and had not been paying them. He filled out a request form that was available online to have my name removed and mailed it in. The credit card company refused to remove my name because he owed so much. Now he has passed away and I am trying to negoiate with the company because I have not made these debts and I cannot pay them. Am I liable for these debts and if so, am I liable for the total amount on both the cards? I live in North Carolina.
The question is were you just an authorized signer or were you on the original application and signed as a responsible party. If just an authorized signer tell them to go away. They haven't a leg to stand on. Write a letter to the company and demand proof you owe this debt. If they do not comply contact the Federal Trade Commission or State Attorney General and file a complaint. If it turns out you are obligated put your situation to paper and determine how much you can afford to pay. Make a proposal in writing for a payment plan or offer a lump sum settlement and send a copy of your budget to substantiate any hardship or tight budget.
If you need help with it contact me at 877 270 8204 or visit my web site for more information about your rights. www.financialemergency.com.
Related Articles
Answers by Expert:
Michael Brotherton
Expertise
Consumer/Debtor Rights Advocate. Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years. Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com. FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY. Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be. Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems. www.financialemergency.com (copy and paste in browser).
Experience
Over 40 years combined experience negotiating disputes and resolving financial issues related to consumer debt, corporate issues and mortgage modifications.
©2012 About.com, a part of The New York Times Company. All rights reserved.